Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$185,718Cash toward the purchase price.
Closing costs + prepaids$11,132Not just lender fees.
Before credits & paid funds$196,849The complete starting cash picture.
Estimated remaining funds due at closing
$196,849No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$185,717.85
Your down payment$185,717.85
Closing costs + prepaids$11,131.56
Total buyer cash needed$196,849.41
Remaining funds due$196,849.41
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$4,249.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,195.91
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$430.25
Prepaid interest, first (2 days)$38.40
Fees + prepaids$11,131.56
Your down payment is the seller’s equity. You take over the $239,182 balance, so the rest of the $424,900 price is paid at closing. A second mortgage can cover part of it. $196,849.41 is due at closing. Uses and sources reconcile at $436,031.56 each. Not a Closing Disclosure.